The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Only permanent life insurance policies offer cash surrender value. This includes policies such as whole life and universal life â those offering a premium savings component as well as a death benefit. Term life insurance policies, on the other hand, don't offer a payout before the date the policy matures.